What are you up YTD? [Year To Date]

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miles monroe
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Re: What are you up YTD?

Post by miles monroe » Thu Jan 01, 2015 11:01 am

so far this year i am up 0%.

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market timer
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Re: What are you up YTD?

Post by market timer » Thu Jan 01, 2015 11:06 am

Finished the year up 16%. Profited from the decline in long term interest rates in the first half of the year, but gave back some gains in the fourth quarter after buying oil and the Japanese yen. I'm going into 2015 with an allocation that's roughly 20% precious metals, 20% WTI and oil majors, 30% equities (mostly EM), 15% Japanese yen, 15% junk bonds. I think we will see rates rise this year across the curve, and inflation expectations should rise as well. Longer term, I expect a serious bout of stagflation.
Last edited by market timer on Thu Jan 01, 2015 11:10 am, edited 1 time in total.

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bogleblitz
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Re: What are you up YTD?

Post by bogleblitz » Thu Jan 01, 2015 11:08 am

How do you see one's YTD in vanguard.com?

I guess I need to wait as vanguard only shows YTD up to Nov 30th.

BabylonOrBust
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Re: What are you up YTD?

Post by BabylonOrBust » Thu Jan 01, 2015 11:36 am

I am very proud to be able to give this answer: I have no idea. :happy

jwtietz
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Re: What are you up YTD?

Post by jwtietz » Thu Jan 01, 2015 11:56 am

70/10/20 sitting on a lot of cash, need to get it into bonds but just waiting a few to let things sort out. Want to be 70/30 or so. I am up 8.9% so vanguard says.

CantPassAgain
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Re: What are you up YTD?

Post by CantPassAgain » Thu Jan 01, 2015 12:16 pm

47% US Stocks
19% Intl Stocks
21% Bonds
13% Cash

XIRR for 2014 = 6.7%

A pretty good year.

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ruralavalon
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Re: What are you up YTD?

Post by ruralavalon » Thu Jan 01, 2015 12:34 pm

TheTimeLord wrote:The change in value of my investment holdings was +15.11% in 2014. This includes contributions made in 2014.

Are you from Beardstown, Illinois?
"Everything should be as simple as it is, but not simpler." - Albert Einstein | Wiki article link:Getting Started

miles monroe
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Re: What are you up YTD?

Post by miles monroe » Thu Jan 01, 2015 12:35 pm

ruralavalon wrote:
TheTimeLord wrote:The change in value of my investment holdings was +15.11% in 2014. This includes contributions made in 2014.

Are you from Beardstown, Illinois?


hahaha

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InvestorNewb
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Re: What are you up YTD?

Post by InvestorNewb » Thu Jan 01, 2015 12:40 pm

How does morningstar calculate the rate of return ? They report that I'm up 10.42% for the year. But here are my holdings:

VTI: +10.95%
VXUS: -6.86%
VCE: +9.45%
VNQ: +24.83%

Something doesn't seem right.
My Portfolio: VTI [US], VXUS [Int'l], VNQ [REIT], VCN [Canada] (largest to smallest)

flyingaway
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Re: What are you up YTD?

Post by flyingaway » Thu Jan 01, 2015 1:01 pm

Mine is 0.0%, according to my Fidelity account this morning.

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TheTimeLord
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Re: What are you up YTD?

Post by TheTimeLord » Thu Jan 01, 2015 1:04 pm

ruralavalon wrote:
TheTimeLord wrote:The change in value of my investment holdings was +15.11% in 2014. This includes contributions made in 2014.

Are you from Beardstown, Illinois?


Nope, that is why I said change in value instead of rate of return and specified that the percentage included contributions. Perhaps I need to work on a way to be clearer in my communications.
Run, You Clever Boy!

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Uncle Pennybags
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Re: What are you up YTD?

Post by Uncle Pennybags » Fri Jan 02, 2015 6:39 pm

I'm up .24% year to date with a projected year end gain of 63%. :P

longinvest
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Re: What are you up YTD?

Post by longinvest » Fri Jan 02, 2015 9:35 pm

Using the wiki:Calculating personal returns spreadsheet:

PORTFOLIO RETURN (time-weighted returns, comparable returns)

Portfolio return as of 12-31-2014
YTD 8.92%
Bogleheads investment philosophy | Lifelong Portfolio: 25% each of (domestic/international)stocks/(nominal/inflation-indexed)bonds | VCN/VXC/VAB/ZRR

SJCX
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Re: What are you up YTD?

Post by SJCX » Sat Jan 03, 2015 8:00 am

I added a lot more shares across my various accounts and have no idea what my total return was for 2014!

cusetownusa
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Re: What are you up YTD?

Post by cusetownusa » Sat Jan 03, 2015 9:38 am

According to vanguard my return for the year with my three fund portfolio is 6.8%. That's with a 75/25 stock to bond ratio. Also have 30% of stock in international.

Honestly I expected it to be a bit higher since my YTD at 11/30/14 was 9.6%. December must have been pretty bad for three fund portfolios with my ratios.

detroitbabu
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Re: What are you up YTD?

Post by detroitbabu » Sat Jan 03, 2015 9:59 am

7.1% not counting contributions
11.1% with contributions

45% Large Cap US Stocks
15% Small/Mid Cap
20% International
20% Bonds

TroyMcClure
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Re: What are you up YTD?

Post by TroyMcClure » Sun Jan 04, 2015 5:55 am

Stocks: 67%
Bonds: 33% (need to rebalance)
Up: 7.74%

Of course, since the original post says nothing about which method to use to calculate the returns, I'm not really sure what our answers really tell us apart from everybody is up.
The 7.74% above is calculated using the spreadsheet from the Bogleheads Wiki on "Calculating personal returns".

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SpringMan
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Re: What are you up YTD?

Post by SpringMan » Sun Jan 04, 2015 9:37 am

I was up only 4.8% with a portfolio that was about 37% equities. Calculated from Jan 1, 2014 to Jan 1, 2015. I am neither in accumulation stage nor the withdrawal stage since our living expenses are covered by SS and a small pension. I did take some taxable dividends but accounted for those.
Best Wishes, SpringMan

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Uncle Pennybags
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Re: What are you up YTD?

Post by Uncle Pennybags » Fri Jan 09, 2015 1:09 am

cusetownusa wrote:. Also have 30% of stock in international.

Honestly I expected it to be a bit higher since my YTD at 11/30/14 was 9.6%. December must have been pretty bad for three fund portfolios with my ratios.
It was the international stock, that was the biggest loser by far. It lost 8% in December and 13% from September; only 4.5% for the year though.

cusetownusa
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Re: What are you up YTD?

Post by cusetownusa » Fri Jan 09, 2015 10:16 am

Uncle Pennybags wrote:
cusetownusa wrote:. Also have 30% of stock in international.

Honestly I expected it to be a bit higher since my YTD at 11/30/14 was 9.6%. December must have been pretty bad for three fund portfolios with my ratios.
It was the international stock, that was the biggest loser by far. It lost 8% in December and 13% from September; only 4.5% for the year though.


Makes sense...most of my new contributions have been going to my international fund...hopefully one day my international fund will be the one doing the heavy lifting.

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kenyan
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Re: What are you up YTD?

Post by kenyan » Fri Jan 09, 2015 10:47 am

TheTimeLord wrote:
ruralavalon wrote:
TheTimeLord wrote:The change in value of my investment holdings was +15.11% in 2014. This includes contributions made in 2014.

Are you from Beardstown, Illinois?


Nope, that is why I said change in value instead of rate of return and specified that the percentage included contributions. Perhaps I need to work on a way to be clearer in my communications.


I think you were perfectly clear, and on this forum, I think the number you presented is more important when reflecting upon your goals. My rate of return was almost completely a product of my chosen asset allocation; what I was up YTD (which is actually what the title of this thread asked) was reflective of my progress towards retirement.

Incidentally, I was up 24.2% in 2014. My rate of return was far lower (6-7%), but why should I care?
Retirement investing is a marathon.

selftalk
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Re: What are you up YTD?

Post by selftalk » Fri Jan 09, 2015 10:50 am

You shouldn`t be watching this so regularly as it will get you emotionally charged to do something you will be sorry for.

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tnbison
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Re: What are you up YTD?

Post by tnbison » Fri Apr 03, 2015 6:20 am

My 1st quarter review puts me up 1.25%. 85/15 stocks to bonds

crg11
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Re: What are you up YTD?

Post by crg11 » Fri Apr 03, 2015 6:24 am

+2.24% for Q1 2015, 80/20 allocation.

madbrain
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Re: What are you up YTD?

Post by madbrain » Fri Apr 03, 2015 6:31 am

Total return for first quarter is +2.14%
60% stocks, 40% bonds.

I have more international equities than domestic, and my bonds tilt to high-yield, muni and stable value - no treasuries.

Also including the first 2 days of April, up 2.78% ;)
Last edited by madbrain on Fri Apr 03, 2015 6:37 am, edited 1 time in total.

madbrain
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Re: What are you up YTD?

Post by madbrain » Fri Apr 03, 2015 6:37 am

kenyan wrote:I think you were perfectly clear, and on this forum, I think the number you presented is more important when reflecting upon your goals. My rate of return was almost completely a product of my chosen asset allocation; what I was up YTD (which is actually what the title of this thread asked) was reflective of my progress towards retirement.


It's not really clear to me that OP is asking for increase in asset balance, as opposed to total return.

Anyone starting from scratch would have an infinite % growth in assets (unless their total return was -100%), so IMO, that is not a very interesting number to look at.

Increase in asset balance is the sum of your contributions, withdrawals, and return, whether positive or negative.
Of course, the rate of contributions and withdrawals is completely under your control, and therefore completely predictable.
The rate of return is however, unpredictable. So, IMO that's the more interesting number.

texas_archer
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Re: What are you up YTD?

Post by texas_archer » Fri Apr 03, 2015 9:18 am

Personal Return 10.90%
1 Month -0.34%
3 Month 2.72%
YTD 2.72%
1 Year 7.16%
3 Year 8.62%
5 Year -
10 Year -

60/40

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Hexdump
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Re: What are you up YTD?

Post by Hexdump » Fri Apr 03, 2015 9:32 am

1st quarter return was 1.44%

100 % Wellesley

BogleBoogie
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Re: What are you up YTD?

Post by BogleBoogie » Fri Apr 03, 2015 9:33 am

Who said I'm up?

DVMResident
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Re: What are you up YTD?

Post by DVMResident » Fri Apr 03, 2015 10:28 am

YTD: 3.23%

Due to my brilliant half equities international position 8-) (just don't look at 2014)

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ruralavalon
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Re: What are you up YTD?

Post by ruralavalon » Fri Apr 03, 2015 10:50 am

50/50 asset allocation, retired, age 69.

Up 3.06% YTD per Morningstar portfolio manager.

Best so far are Total International and REIT index funds.
Last edited by ruralavalon on Fri Apr 03, 2015 11:35 am, edited 2 times in total.
"Everything should be as simple as it is, but not simpler." - Albert Einstein | Wiki article link:Getting Started

The Casualty
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Re: What are you up YTD?

Post by The Casualty » Fri Apr 03, 2015 11:29 am

59, Retired.

55/35/15

2.4%

International is 8% of total portfolio.

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Clearly_Irrational
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Re: What are you up YTD?

Post by Clearly_Irrational » Fri Apr 03, 2015 11:44 am

YTD +2.68%

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wander
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Re: What are you up YTD?

Post by wander » Fri Apr 03, 2015 1:22 pm

3.90 %

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InvestorNewb
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Re: What are you up YTD?

Post by InvestorNewb » Fri Apr 03, 2015 1:27 pm

Glad to see this thread still going! I will check my YTD balance when the US total stock index (VTI) is back around $110. :D
My Portfolio: VTI [US], VXUS [Int'l], VNQ [REIT], VCN [Canada] (largest to smallest)

HongKonger
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Re: What are you up YTD?

Post by HongKonger » Fri Apr 03, 2015 1:44 pm

70/30 and rough calculation of equity portion only (total today versus total on 31 Dec - no new money added and no dividends reinvested) = 5.8%

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abuss368
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Re: What are you up YTD?

Post by abuss368 » Fri Apr 03, 2015 1:45 pm

I have no clue. We stop monitoring years ago since leaving the stock picking world.
John C. Bogle: "You simply do not need to put your money into 8 different mutual funds!" | | Disclosure: Three Fund Portfolio + U.S. & International REITs

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avenger
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Re: What are you up YTD?

Post by avenger » Sat Apr 04, 2015 6:35 am

2.6% 1st quarter, 75/25 port.
cheers ... -Mark | "Our life is frittered away with detail. Simplify. Simplify." -Henry David Thoreau | [3 fund portfolio: VTI, VXUS, SV fund (yield 3.01%)]

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TheTimeLord
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Re: What are you up YTD?

Post by TheTimeLord » Sat Apr 04, 2015 8:28 am

Here are some YTD/1 year numbers from Vanguard as of 4/2/2015.

Total Stock Market (VTI): 1.78%/12.34%
Mid Cap (VO): 4.46%/14.90%
Small Cap (VB): 4.98%/9.82%
S&p 500 (VOO): 0.91%/12.71%
FTSE All-World Ex-US (VXUS): 6.09%/-0.36%
Emerging Market (VWO): 5.31%/3.35%
Total Bond (BND): 1.84%/5.63%
Intermediate Bond (BIV): 2.58%/7.02%
Run, You Clever Boy!

toto238
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Re: What are you up YTD?

Post by toto238 » Sat Apr 04, 2015 8:56 am

This is what Vanguard lists under my Personal Performance tab:

Beginning balance: $14,623.88
Purchases & withdrawals: $3,364.99
Investment returns: $361.53

Investment return/Beginning balance = 2.4% return
Investment return/Ending balance = 2.0% return
Investment return/Middle balance = 2.2% return

Don't know how you wanna calculate it. But my return is somewhere in the 2.0-2.4% range YTD.

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Aptenodytes
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Re: What are you up YTD?

Post by Aptenodytes » Sat Apr 04, 2015 9:08 am

The very excellent spreadsheet tool I took from someone on this board (who didn't seem to embed their name in the sheets I have used) tells me:

3.2% first quarter 2015 I believe that more than the 3.3% the kludgy spreadsheet I originally put together is telling me.

55% stocks. of which 50% international. Small-value and small tilt in domestic and international.
domestic x-ray
11 11 11
13 10 6
19 14 5

international x-ray
13 12 12
14 11 14
7 8 8

Bonds are 53% intermediate treasuries, 28% TIAA TRAD, 19% individual 10-year TIPS

TroyMcClure
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Re: What are you up YTD?

Post by TroyMcClure » Mon Apr 06, 2015 7:32 am

Update 1Q2015

Equity: 72% (36% MSCI world, 34% Eurostoxx 600, 2% MSCI Emerging Markets)
Bonds: 28% (26% Short Euro Gov., 2% Global Gov.)

Up 15.61% on the portfolio return, calculated with the spreadsheet from the BH wiki.

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Boomer01
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Re: What are you up YTD?

Post by Boomer01 » Mon Apr 06, 2015 8:35 am

80/20 with Fidelity - +2.91%

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Sheepdog
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Re: What are you up YTD?

Post by Sheepdog » Mon Apr 06, 2015 5:05 pm

2015---+1.24%
From conservative investments containing 65.9% Wellesley, 10.2% Short term investment grade, 20.2% I Bonds and 3.7% Cds.
This is calculated ongoing by my Money 2002.
People should not say everything they think. They should think about everything they say.

thedele
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Re: What are you up YTD?

Post by thedele » Mon Apr 06, 2015 5:28 pm

Passive investments (index funds, bonds, etc): 1.98%
Play-money hand-picked tech stocks: 6.00%

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Shabber
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Re: What are you up YTD?

Post by Shabber » Mon Apr 06, 2015 5:39 pm

Christine_NM wrote:Stocks: 49%
Bonds: 51%
Up: 7.2%
.


Can you tell me what funds are getting you that type of return?

I am:
Stocks 24%
Bonds 41%
Cash 35%
YTD 1.13%

I am Wellesley and 2 Vanguard Target Funds.

madbrain
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Re: What are you up YTD?

Post by madbrain » Mon Apr 06, 2015 6:06 pm

Shabber wrote:
Christine_NM wrote:Stocks: 49%
Bonds: 51%
Up: 7.2%
.


Can you tell me what funds are getting you that type of return?

I am:
Stocks 24%
Bonds 41%
Cash 35%
YTD 1.13%

I am Wellesley and 2 Vanguard Target Funds.


Check the date of the post you are replying to. It was in 2014 .

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market timer
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Re: What are you up YTD?

Post by market timer » Fri Apr 10, 2015 5:57 am

+7% so far in 2015

Variable asset allocation. Currently:

20% EM equities
30% long term Treasuries
10% oil
15% precious metals
25% REITs

detroitbabu
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Re: What are you up YTD?

Post by detroitbabu » Fri Apr 10, 2015 6:12 am

3.9% YTD

40% Large Cap
20% Bonds
20% Small/Mid cap
20% International

All index funds.
Avg. expense ratio: 0.08%

bawr
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Re: What are you up YTD?

Post by bawr » Sat Apr 11, 2015 2:14 am

Shorter term stock trading account: 12.10% YTD
Long term stock portfolio: 15.62% YTD

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